Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who have actively repaid their debts, marking a shift from a punitive credit system to one that balances punishment and repair [1][3][4]. Group 1: Policy Details - The policy allows for the removal of overdue information for personal debts up to 10,000 RMB if repaid by March 31, 2026, with specific deadlines for different repayment periods [1][2]. - The policy applies to all types of loans, including personal business loans, housing loans, consumer loans, and credit cards, without distinction between lending institutions [2]. - The credit repair process is automatic, requiring no application or documentation from individuals, and will be effective from January 1, 2026 [2][8]. Group 2: Implementation and Benefits - The People's Bank of China will provide additional opportunities for free credit report inquiries in the first half of 2026, increasing access for individuals to check their credit status [5][6]. - The policy aims to alleviate the long-term restrictions faced by individuals with past credit issues, particularly those who have made efforts to rectify their financial situations [6][7]. - The adjustment in credit reports will change overdue statuses to normal and reflect zero overdue amounts for qualifying individuals, enhancing their credit profiles [6][9]. Group 3: Public Awareness and Precautions - The policy is entirely free, and any attempts to charge fees or solicit information under this policy are considered fraudulent [2][8]. - Individuals are advised to be cautious of illegal intermediaries offering debt restructuring services and to confirm repayment amounts and statuses with financial institutions to avoid missing out on the policy benefits [10][11].

根据《征信业管理条例》，在征信系统中，违约记录的存续期为5年。过去几年，受不可抗力影响，一 些个人发生了债务逾期，虽然事后全额偿还，但相关信用记录仍持续影响其经济生活。为帮助个人加快 修复信用记录，同时发挥违约信用记录的约束效力，人民银行正在研究实施一次性的个人信用救济政 策，对于违约在一定金额以下且已归还贷款的个人违约信息，将在征信系统中不予展示。这项措施将在 履行相关的程序后，由人民银行会同金融机构进行必要的技术准备，计划在明年初执行。 12月22日，在进行必要的技术准备后，中国人民银行正式发布一次性信用修复政策有关安排。自2026年 1月1日起征信中心将根据不同还款情形完成自动调整，相关逾期记录不再在个人信用报告中展示。 12月22日，中国人民银行发布一次性信用修复政策，符合相关条件的逾期信息，将不会在个人信用报告 中予以展示。 一次性信用修复政策不区分金融机构和业务类型，也不限制笔数。同时政策实行"免申即享"，个人无需 申请和操作，也无需提交证明材料，由中国人民银行征信系统对符合条件的逾期信息进行自动识别和统 一处理。 为何要推出一次性信用修复政策？ 自2006年正式上线，全国集中统一的企业和个人征信 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at providing a corrective opportunity for individuals who have previously defaulted but have settled their debts, effective from January 1, 2026 [1][2]. Group 1: Policy Details - The policy applies to overdue amounts not exceeding 10,000 RMB for debts incurred between January 1, 2020, and December 31, 2025 [1][3]. - There are no distinctions made regarding the type of loan or lending institution, making the policy accessible to various forms of credit, including personal loans, mortgages, and credit cards [1][3]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the credit repair [3][4]. Group 2: Expected Impact - The policy is expected to improve credit conditions for individuals, stimulate microeconomic activity, and enhance the quality of financial services provided by institutions [2][7]. - It aims to reinforce the awareness of creditworthiness in future economic activities, thereby supporting the foundational role of the credit system in promoting trust and accountability [2][8]. Group 3: Implementation Mechanism - Eligible overdue information will not be displayed in credit reports, with overdue statuses changing from "overdue" to "normal" and overdue amounts adjusted to zero [4][9]. - The policy includes measures such as automatic eligibility without the need for personal applications, a three-month grace period for debt repayment, and additional free credit report queries [4][10]. Group 4: Clarifications and Safeguards - The policy is not a form of "credit washing" and does not exempt individuals from their debt obligations; full repayment is a prerequisite for benefiting from the policy [9][11]. - The People's Bank of China emphasizes the importance of maintaining strict boundaries to prevent abuse of the system and to uphold the integrity of the credit framework [9][12].

2025.12. 22 作者 | 第一财经 杜川 支持个人信用重塑，12月22日，央行发布一次性信用修复政策。在当日央行召开的新闻发布会上， 中国人民银行征信中心主任张子红回答第一财经记者提问时表示，一次性信用修复政策实施后，对于 符合条件的逾期信息，两个数据项的具体展示情况将会出现相应的调整。 目前，征信系统中已还款个人逾期信息的保存期限为5年，超过5年的不再展示。张子红表示，个人 信用报告中的逾期信息需要通过每月的"还款状态"和"逾期金额"两个数据项进行反映。一次性信用修 复政策实施后，对于符合条件的逾期信息，"还款状态"将由"逾期"标识调整为"正常"标识，逾期金额 将由1万元以下的"非0"数值调整为"0"。这个调整将会在信用报告中的"信息概要"和"信贷交易信息明 细"模块予以同步体现。 此外，张子红称，对于具体的调整变化，可以通过征信中心官方网站等渠道获取，对于大家关心的逾 期信息何时完成调整问题，征信系统将根据个人逾期债务的结清时间分两种情形进行处理。 本文字数：680，阅读时长大约1分钟 第一种情形是个人已经于2025年11月30日（含）前足额偿还逾期债务，征信系统自2026年1月1日起 就不予展示 ...

此外，张子红称，对于具体的调整变化，可以通过征信中心官方网站等渠道获取，对于大家关心的逾期 信息何时完成调整问题，征信系统将根据个人逾期债务的结清时间分两种情形进行处理。 第一种情形是个人已经于2025年11月30日（含）前足额偿还逾期债务，征信系统自2026年1月1日起就不 予展示相关逾期信息。 第二种情形是个人于2025年12月1日至2026年3月31日之间足额偿还逾期债务的，征信系统于次月月月底 前不予展示相关逾期信息。比如，个人在2026年1月还清欠款的，相关具体信息在2月月底前即可展示为 正常还款状态。 原标题：央行答一财：个人信用修复政策实施后，符合条件的逾期信息将出现两项变化 征信系统将根据个人逾期债务的结清时间分两种情形进行处理。 支持个人信用重塑，12月22日，央行发布一次性信用修复政策。在当日央行召开的新闻发布会上，中国 人民银行征信中心主任张子红回答第一财经记者提问时表示，一次性信用修复政策实施后，对于符合条 件的逾期信息，两个数据项的具体展示情况将会出现相应的调整。 目前，征信系统中已还款个人逾期信息的保存期限为5年，超过5年的不再展示。张子红表示，个人信用 报告中的逾期信息需要通过每 ...

此外，张子红称，对于具体的调整变化，可以通过征信中心官方网站等渠道获取，对于大家关心的逾期 信息何时完成调整问题，征信系统将根据个人逾期债务的结清时间分两种情形进行处理。 第一种情形是个人已经于2025年11月30日（含）前足额偿还逾期债务，征信系统自2026年1月1日起就不 予展示相关逾期信息。 第二种情形是个人于2025年12月1日至2026年3月31日之间足额偿还逾期债务的，征信系统于次月月月底 前不予展示相关逾期信息。比如，个人在2026年1月还清欠款的，相关具体信息在2月月底前即可展示为 正常还款状态。 支持个人信用重塑，12月22日，央行发布一次性信用修复政策。在当日央行召开的新闻发布会上，中国 人民银行征信中心主任张子红回答第一财经记者提问时表示，一次性信用修复政策实施后，对于符合条 件的逾期信息，两个数据项的具体展示情况将会出现相应的调整。 目前，征信系统中已还款个人逾期信息的保存期限为5年，超过5年的不再展示。张子红表示，个人信用 报告中的逾期信息需要通过每月的"还款状态"和"逾期金额"两个数据项进行反映。一次性信用修复政策 实施后，对于符合条件的逾期信息，"还款状态"将由"逾期"标识调整为 ...

"免申即享"！一次性信用修复政策助力个人重塑信用 中国人民银行提醒公众，一次性信用修复政策不收取任何费用、不需要第三方代理，任何以该政策名义 索要钱财、索取信息的都是诈骗行为。如果公众发现相关线索，可向中国人民银行及其分支机构反映， 或向当地公安机关报案。 根据相关安排， 政策适用对象限定于个人在中国人民银行征信系统中展示的信贷逾期信息；适用时间 区间要求逾期信息产生于2020年1月1日至2025年12月31日期间；适用金额为单笔逾期金额不超过1万 元；适用前提是个人在2026年3月31日（含）前足额偿还逾期债务。符合上述条件的逾期信息，将不会 在个人信用报告中予以展示。 12月22日，中国人民银行对外发布一次性信用修复政策有关安排，符合相关条件的逾期信息，将不会在 个人信用报告中予以展示。 个人无需申请和操作，"免申即享"支持信用受损但积极还款的个人高效便 捷重塑信用。 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy to support individuals affected by the COVID-19 pandemic, allowing for the removal of certain overdue information from credit reports if debts are repaid by March 31, 2026 [2][3]. Group 1: Policy Details - The policy applies to personal credit overdue information recorded in the financial credit information database from January 1, 2020, to December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [3]. - Individuals must repay their overdue debts in full by March 31, 2026, for the overdue information to be removed from their credit reports [3]. Group 2: Implementation Process - The policy features an "automatic enjoyment" model, meaning eligible individuals do not need to apply or submit documentation; the People's Bank of China will automatically identify and process qualifying overdue information [4]. - The policy does not involve any fees or third-party agents, and any solicitation for money or information under this policy is considered fraudulent [4]. Group 3: Changes in Credit Reports - Once the policy is implemented, qualifying overdue records will change from an overdue status to a normal status, and the overdue amount will be adjusted to zero in the credit report [4]. - The changes will be reflected in both the "information summary" and "credit transaction details" sections of the credit report [4]. Group 4: Timeline for Changes - If an individual repays overdue debts by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [5]. - For debts repaid between December 1, 2025, and March 31, 2026, the overdue information will be updated by the end of the following month [5]. Group 5: Credit Report Access - Individuals can check if their overdue information has been removed through various channels, with online options being recommended for convenience [6]. - From January 1 to June 30, 2026, individuals will have access to two additional free credit report queries beyond the usual two per year [6].

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with overdue debts, which is expected to have significant implications for personal credit management in the country [1][11]. Group 1: Policy Highlights - The policy is characterized by its strength and limitations, applying uniformly across different loan types and institutions, while setting boundaries based on overdue time and amount [1][11]. - The policy is designed to be simple and user-friendly, with automatic adjustments made by the credit center without requiring individual applications [1][11]. - A three-month grace period is established, with overdue events occurring until the end of 2025 and repayment deadlines extended to March 31, 2026 [1][11]. - Individuals will have two additional opportunities to check their credit reports for free in the first half of 2026 [1][11]. Group 2: Eligibility Criteria - The policy applies to individuals with overdue credit information recorded in the People's Bank of China's credit information database [2][12]. - Overdue information must have occurred between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 yuan [2][12]. - Individuals must fully repay their overdue debts by March 31, 2026, to benefit from the policy [2][12]. Group 3: Implementation Details - The three-month grace period allows individuals time to repay their debts, ensuring the policy reaches a wider audience [3][15]. - Changes in overdue information will occur based on the repayment timeline, with specific adjustments made depending on when debts are cleared [5][16]. - Credit report adjustments will reflect changes in repayment status from "overdue" to "normal" and overdue amounts will be updated to zero [6][17]. Group 4: Application Process - The policy operates on an "automatic eligibility" basis, meaning individuals do not need to apply or submit documentation [8][19]. - Individuals can verify their overdue status through various online and offline channels, including financial institution apps and credit service windows [7][18]. Group 5: Policy Nature - The one-time credit repair policy is not equivalent to "credit washing" and maintains strict boundaries, ensuring that unresolved debts are not eligible for repair [9][20]. - The policy emphasizes fairness in the credit system, allowing for the repair of credit records for those who have settled their debts while maintaining accountability for those who have not [10][21].

新华鲜报丨卸下"包袱"！个人信用修复助力轻装前行 中国人民银行12月22日发布一次性信用修复政策，符合相关条件的逾期信息，将不会在个人信用报告中予以展示，助力个人高效便捷重塑信用，卸下"包 袱"轻装前行。 为何要推出一次性信用修复政策？ 俗话说"有借有还，再借不难"，征信信息可以展现一个人在经济金融活动中的守约情况。 自2006年正式上线，全国集中统一的企业和个人征信系统已成为我国重要的金融基础设施。截至11月末，征信系统已采集11.6亿自然人的信息，其中8.1亿 人有信贷记录，年度累计查询量达65.8亿次。 目前个人信用报告会展示最近5年的逾期记录，自逾期欠款还清之日起超过5年的逾期记录不再展示。 据介绍，政策严格限定了信用修复的范围，须同时满足三个条件： 逾期信息产生于2020年1月1日至2025年12月31日期间；单笔逾期金额不超过1万元；要 在2026年3月31日（含）前足额偿还逾期债务。 符合上述条件的逾期信息，将不会在个人信用报告中予以展示。 此次修复个人信用的政策，从多个方面展现出"诚意满满"的政策温度。 从便捷性来看，政策突出"免申即享"的特点，个人无需跑网点、填材料，由中国人民银行征信系统对 ...